American Express Gold
The Amex Gold is a standout card if your spending habits revolve around food. You’ll earn 4x Membership Rewards points at restaurants (including takeout and delivery in the U.S.) and 4x points at U.S. supermarkets, on up to $25,000 per year in purchases. That’s a strong return for categories many people spend heavily in, especially in urban areas. There’s also a 60,000-point welcome offer (after meeting the spend threshold), which definitely adds real upfront value.
Where the card might fall a little short is on everyday spending outside those categories. You’ll only get 1x on most other purchases, and there’s no bonus for travel booked outside of Amex’s portal. The $250 annual fee can also seem steep at first glance, but the dining credits (if you actually use them like I do) can offset a big chunk of that. Still, this isn’t a true “catch-all” card; it probably shines brightest when used strategically for food-related purchases.
Overall, it’s a strong pick for frequent diners and grocery spenders who can make the most of the rewards and perks. If you’re after simplicity or want travel-specific benefits, this might not be your best fit – but for its lane, I think the Gold performs really well.
%20(1).jpg)
I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
Comments made in response to posts are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered.
Disclaimer: Humphrey's Guide strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.